First year rewards (up to)

Based on the amount of spending you do each month, our tool determines how much you'll spend on an annual basis and calculates the potential rewards you could earn for doing so.
Spending rewards

Annual fee

Annual fee(1st yr waived)

The total net reward is the dollar amount all your rewards will add up to, minus any annual fee you may have to pay. For a detailed explanation on how we calculated this number, check out the Points Calculator tab.

How much do you spend on entertainment each month? Movie tickets, concerts, music, plays, video gamse, etc. are all examples of things that would show up as entertainment costs on your cash back credit card statement. Entertainment

3 points per dollar

at CIBC bonus reward spas

How much do you spend on travel each month? Travel expenses can include flights, hotels, cruises, ferry boat rides, and even things like cab fares and hot air balloons in other provinces or countries! Enter an estimate here, to see how much cash back you could earn on travel expenses each month. Travel

3 points per dollar

at CIBC bonus rewards hotels

How much do you spend at restaurants each month? Some cash back credit cards give you a percentage of cash back for every dollar spent in a restaurant. Give an estimate, if you're unsure. Restaurants

3 points per dollar

at participating CIBC Bonus Rewards restaurants

How much do you spend on gas or in gas stations each month? Remember that even if you buy food or other items at a gas station, it will come up as a gas purchase on your cash back credit card statement. Gas

How much do you spend on groceries or in grocery stores each month? Remember that even when you purchase household items at the grocery store, they will show up as a grocery store purchase on your cash back credit card statement. Groceries

How much do you spend in drug stores each month? Remember that it doesn't matter if you pay for prescriptions, cosmetics, toiletries, food or anything else; it'll all show up as drug store purchases on your cash back credit card statement. Pharmacy

1.5 points per dollar

up to $80,000 in yearly spending

How much do you spend on everything else that doesn't fit into one of the other categories? Bus passes, cab fares, online shopping purchases, etc. are just a few examples of things that would show up as "other" purchases on your cash back credit card statement. Other purchases

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For a limited time, you will receive a promotional offer from Ratehub.ca if your application is approved. Terms and conditions apply. Click here for details. Gift card

Some credit cards come with a sign-up bonus, to provide more incentive for people to sign-up and start using the card. The sign-up bonus may be in the form of points, cash, free merchandise, etc. Signup bonus

To find out how we determined the value of this point, click on the "Redeeming Points" tab and view the PDF to see the exact calculations. Value per 1pt

This is the dollar amount all your rewards will add up to. Total value

Some credit cards come with a spending bonus, which is given to the card holder after they complete a condition, such as making their first card purchase. The spending bonus may be in the form of points, cash, free merchandise, etc. Spending bonus

To find out how we determined the value of this point, click on the "Redeeming Points" tab and view the PDF to see the exact calculations. Value per 1pt

This is the dollar amount all your rewards will add up to. Total value

Some credit cards come with an anniversary bonus, to provide more incentive for people to continue using the card for multiple years. The anniversary bonus may be in the form of points, cash, free merchandise, etc, and is given to the card holder every year on the anniversary. Anniversary bonus

Based on the amount of spending you do each month, our tool determines how much you'll spend on an annual basis and calculates the potential rewards you could earn for doing so. Spending reward

Bills

Entertainment

Gas

Groceries

Other purchases

Pharmacy

Restaurants

Travel

This is the total number of rewards points you could earn in one year, based on the credit card's sign-up bonus and the amount you could potentially spend on the card. Total points

To find out how we determined the value of this point, click on the "Redeeming Points" tab and view the PDF to see the exact calculations. Value per 1pt

This is the dollar amount all your rewards will add up to. Total value

This is the annual fee you have to pay, in order to use this credit card. The annual fee is charged once per year and is added to your credit card statement. Annual fee

Some credit cards come with a sign-up bonus, to provide more incentive for people to sign-up and start using the card. The sign-up bonus may be in the form of points, cash, free merchandise, etc. Signup bonus

To find out how we determined the value of this point, click on the "Redeeming Points" tab and view the PDF to see the exact calculations. Value per 1pt

This is the dollar amount all your rewards will add up to. Total value

Some credit cards come with a spending bonus, which is given to the card holder after they complete a condition, such as making their first card purchase. The spending bonus may be in the form of points, cash, free merchandise, etc. Spending bonus

To find out how we determined the value of this point, click on the "Redeeming Points" tab and view the PDF to see the exact calculations. Value per 1pt

This is the dollar amount all your rewards will add up to. Total value

Some credit cards come with an anniversary bonus, to provide more incentive for people to continue using the card for multiple years. The anniversary bonus may be in the form of points, cash, free merchandise, etc, and is given to the card holder every year on the anniversary. Anniversary bonus

Based on the amount of spending you do each month, our tool determines how much you'll spend on an annual basis and calculates the potential rewards you could earn for doing so. Spending reward

Bills

Entertainment

Gas

Groceries

Other purchases

Pharmacy

Restaurants

Travel

This is the total number of rewards points you could earn in one year, based on the credit card's sign-up bonus and the amount you could potentially spend on the card. Total points

To find out how we determined the value of this point, click on the "Redeeming Points" tab and view the PDF to see the exact calculations. Value per 1pt

This is the dollar amount all your rewards will add up to. Total value

This is the annual fee you have to pay, in order to use this credit card. The annual fee is charged once per year and is added to your credit card statement. Annual fee

The average dollar value of an individual Aeroplan Reward Point is $0.0120. To see how we calculated this, click here.

How to Redeem your Aeroplan Reward Points

Step by Step Guide

If you DO NOT have an online Aeroplan account and don’t know your Aeroplan number, call CIBC, TD or American Express (your credit card provider), give them your credit card number and they will give you your 9-digit Aeroplan number.

Once you have your Aeroplan number, you can create an account at aeroplan.com and login to redeem your miles.

If you DO have an online Aeroplan account, you can skip the first step and login at aeroplan.com.

To book a flight, select your travel dates, departure airport and destination.

Available flights are displayed with the amount of miles required to book. These amounts do not include taxes, fees and surcharges, which can range from $150 (for domestic flights) to greater than $700 (for Europe or Australia).

To redeem miles for a flight, you need to have at least 50% of the required miles; the remaining miles can be purchased by credit card.

While less popular, miles can be also be redeemed for hotels, car rentals, merchandise and activities.

Card details

Fees & interest

This is the annual fee you have to pay, in order to use this credit card. The annual fee is charged once per year and is added to your credit card statement. Annual fee:$120

This is the annual interest rate you will pay on purchases, if/when you can't pay off the entire balance by the payment due date outlined on your credit card statement. Purchase interest rate:
19.99%

This is the interest rate you will pay on cash advances. Unlike regular purchases, which come with a grace period, interest on cash advances starts to accrue the day you complete the transaction. Cash advance:
22.99%

This is the interest rate you will pay on balance transfers. Unlike regular purchases, which come with a grace period, interest on balance transfers starts to accrue the day you complete the transaction. Balance transfer:
22.99%

Eligibility

This is the annual income requirement to be eligible for this credit card. Income:
$60K / Year

This is the total annual family income requirement to be eligible for this credit card. Only applicable if the applicant does not meet the annual income requirement themselves. Household income:
$100K / Year

Be a permanent Canadian resident

Have reached the age of majority in the province in which you live (18 yrs in AB, MB, ON, PE, QC, SK. 19 yrs all others)